Cheapest Car Insurance Quotes in Big Lake

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Big Lake Car Insurance

^$ 38

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Big Lake

The car insurance rate in Big Lake is $1279 for a six-month policy, which is $195 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1009, making it a popular choice for budget-conscious drivers. Rates in Big Lake can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Big Lake

$1279

Avg. Car Insurance in Alaska

$1084

National Average

$1278

Cheapest Car Insurance Companies in Big Lake

1st place: Progressive

At $1009 for a six month policy, Progressive offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1073 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $1163 for six months, making it the third cheapest auto insurance company in Big Lake.

Big Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Big Lake, AK is Progressive, offering policies at just $1009 for a six-month term. This is followed by USAA, which has an average six-month premium of $1073.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1766 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Big Lake drivers find the best deals.

Cheap Car Insurance Companies in Big Lake, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$1009	$170
USAA	$1073	$181
State Farm	$1163	$196
Umialik	$1388	$234
Allstate	$1766	$301

Key Takeaways

Way's key takeaways about car insurance in Big Lake

The auto insurance costs in Big Lake fall around $1009 for six months.
The cheapest auto insurance company in Big Lake is USAA.
Teen drivers pay the highest rate in Big Lake at $719 per month.

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Cheapest Minimum Liability Car Insurance in Big Lake

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Big Lake are given below.

USAA provides the cheapest minimum car insurance coverage in Big Lake. Their Average 6 Month Premium is $224. Allstate is the most expensive at $386 for the same period.

Cheapest Liability Coverage in Big Lake, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$224	$38
Progressive	$329	$55
State Farm	$372	$63
Umialik	$372	$63
Allstate	$386	$65

Cheapest Full Coverage Car Insurance in Big Lake

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Big Lake is Progressive at $170 per month and $1009 for six months.

Cheapest Full Coverage Car Insurance Quotes in Big Lake, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$1009	$170
USAA	$1073	$181
State Farm	$1163	$196
Umialik	$1388	$234
Allstate	$1766	$301

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Average Car Insurance in Big Lake by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Big Lake, AK increasing?

Despite maintaining a clean driving record, your car insurance rates in Big Lake, Alaska, may be increasing due to several external factors. Alaska has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Big Lake's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Big Lake

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$720
30s	USAA	$544
40s	USAA	$503
50s	USAA	$474
60s	USAA	$492
70s	USAA	$603

Cheapest Car Insurance Rates for Teen Drivers in Big Lake,AK

If you are planning to get a car insurance policy for your teenage dependent, USAA provides the cheapest car insurance in the Big Lake at $322 per month. At $4227 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1893	$322
Progressive	$1914	$322
State Farm	$2179	$367
Umialik	$3119	$520
Allstate	$4227	$719

Teen Car Insurance Rates in AK by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Big Lake.

As young drivers face the highest rates in Big Lake, USAA offers the cheapest auto insurance rates at $720 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Big Lake, Progressive is the cheapest car insurance provider. At $1037 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Big Lake is State Farm, offering rates of around $4703 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$1037	$175
Allstate	$1290	$217
Umialik	$1304	$219
USAA	$1437	$244
State Farm	$4703	$784

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Car Insurance Rates with An Accident in Big Lake

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Big Lake, AK, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Big Lake

The cheapest car insurance companies after an at-fault accident in Big Lake include Umialik and State Farm, offering $694 and $763, respectively. Allstate is an expensive provider with an average six-month premium of $1717.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$694	$117
State Farm	$763	$129
USAA	$771	$130
Progressive	$1121	$189
Allstate	$1717	$289

Big Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Big Lake AK. For example, the car insurance in Big Lake after a DUI increases to $596 for a six month policy. While the rate increases by $225 for a six-month policy in the case of a speeding ticket.

Big Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1233	$205
Not-at-fault accident	$1240	$211
One comp claim	$1240	$207
One Med/PIP claim	$1240	$211
Two comp claims	$1240	$207
Two Med/PIP claims	$1240	$211
Failure to show documents	$1345	$224
At-fault accident - less than $1000	$1388	$236
Failure to wear a seat belt	$1416	$236
Child safety restraint	$1430	$243
Driving without lights	$1430	$238
Cell phone violation	$1458	$248
Driving too slowly	$1458	$243
In 65 MPH zone	$1458	$248
Speeding 11 - 15 MPH over limit	$1458	$243
Speeding 16 - 20 MPH over limit	$1458	$248
Speeding 6 - 10 MPH over limit	$1458	$243
Speeding in school zone	$1458	$248
Texting while driving	$1458	$243
Driving with expired registration	$1479	$251
Failure to stop at a red light	$1479	$247
Failure to yield	$1479	$251
Following too closely	$1479	$247
Illegal turn	$1479	$251
Improper passing	$1479	$247
Wrong way/wrong lane	$1479	$251
Speeding 21 - 25 MPH over limit	$1507	$251
Passing school bus	$1521	$258
Operating a vehicle without permission	$1535	$256
Open container	$1654	$281
At-fault accident - $1000-$2000	$1683	$281
At-fault accident - greater than $2000	$1683	$286
Driving with a suspended license	$1752	$293
Refusal to submit to a chemical test	$1759	$300
Reckless driving	$1802	$300
DUI	$1829	$312
Racing	$1928	$321
Leaving scene of an accident/hit and run	$1934	$329

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Big Lake after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Big Lake.

The cheapest car insurance premiums in Big Lake are offered by Umialik at $883 for a six-month policy. However, it can be as expensive as $2397 with companies like Allstate.

Big Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$883	$149
Progressive	$1121	$189
USAA	$1584	$267
State Farm	$1710	$288
Allstate	$2397	$404

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Big Lake are offered by Umialik at $743. However, it can be as expensive as $1829 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Big Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$743	$125
USAA	$1030	$175
State Farm	$1128	$190
Progressive	$1206	$203
Allstate	$1829	$304

Car Insurance Price Trends in Big Lake, Alaska

Car insurance rates in Big Lake have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Big Lake rose by $232 in February compared to $216 of January. In other words, there has been an increase by $16 when you compare February and January.

The average cost of liability insurance in the Big Lake rose to $54 in February, compared to $51 in January. This represents an increase of $3 when comparing February and January.

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Frequently Asked Questions

How much is car insurance in Big Lake?

The car insurance in Big Lake is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Big Lake?

The cheapest car insurance in Big Lake is $170 per month for full coverage.

How much is car insurance in Big Lake for teenagers?

Car insurance for teenagers costs $1893 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Big Lake?

The average cost of car insurance is $1084 for a six-month policy. It will cost around $216 per month to insure your car in Big Lake.

Is car insurance expensive in Big Lake?

Car insurance can be expensive in Big Lake if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Big Lake can be affordable.

What is the best car insurance in Big Lake, AK?

The best car insurance company in Big Lake AK is Progressive, offering $1009 for a six-month policy.